For Contractors
Supplemental Claims Process in Florida
When demolition reveals damage not in the original scope. How to supplement without losing the claim to notice-deadline challenges.
When demolition reveals damage not in the original scope. How to supplement without losing the claim to notice-deadline challenges.
Context
Overview
Supplemental claims are legitimate and common. Demolition reveals hidden damage. Moisture maps show deeper issues. The supplemental process is governed by FS 627.70132 with specific windows. Timely submission is essential.
How it works
Workflow
- 01
Step 1
Document newly discovered damage thoroughly
- 02
Step 2
Report to carrier promptly (within policy supplemental window)
- 03
Step 3
Provide contractor report explaining why it was not visible initially
- 04
Step 4
Submit itemized supplemental estimate
- 05
Step 5
Follow up for approval
- 06
Step 6
Include in final invoice
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What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XMissing the supplemental notice window
- XNot documenting why damage was not visible initially
- XSubmitting supplemental without supporting photo evidence
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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